Category Archives: Uncategorized

Cyber Monday is Here

Cyber Monday is finally here and we thought we would help shoppers out just a bit. The bottom line here is to save money, right? Cyber Monday is right next to Black Friday and it was established so no shoppers would feel left out. Now, you are supposed to be choosy! Don’t fall into every deal you see until you compare it. Canadians shouldn’t impulse shop just because a cyber deal looks too good to be true! Visit other sites and see if there is better savings.

Some Canadians are just getting off work and coming online to do some shopping, so of course, they might be in more of a hurry since it is late in the afternoon. However, we encourage Canadian shoppers to take their time and really consider their wants and needs. This is supposed to be a way to get gifts for loved ones at a bargain too–let’s not forget that!

So, allow our below shopping tips help you out this marvelous Cyber Monday! You can avoid those consumer traps and come away with some real steals. Let’s take a look.

Cyber Monday is All About Consumer Savings–Pay Attention!

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  1.  Begin your cyber Monday shopping by using Google! Check out where the best cyber deals are online! Also, remember, shopping online within Canada will save on International shipping rates, which is quite significant. So, be smart and don’t just pop on a site and spend. Pay attention!
  2. This Cyber Monday page will help you find the best sites to go to for raking in the savings! Yes, we took the hard-work out of your hands and did a little bit of digging on our own. You can still do some shopping research yourself, but we guarantee you the above online shops offer some sweet cyber discounts.
  3. In order to protect yourself and your online purchases make sure to print off your receipts and save them if there is a problem. This eliminates a lot of the hassle that often occurs with online shopping transactions. So, now that you have that peace of mind, you can shop with ease!
  4. Do a daily search and start cyber shopping early. Of course you can’t make purchases early but you’ll know exactly what you’re looking for when the fun begins!
  5. Just as with traditional shopping, always read the fine print! Many Canadian shoppers get a little check out shock online! Know what’s on sale and what items are going to have the best discounts. Don’t fall for the buy one get one free if it really isn’t a savings at all. It’s important to do your research and always, ALWAYS read that fine print.

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Programs to Tranform Housing Costs For Canadian Families Today

Canadians spend more than 40% of their monthly income on housing, which is extraordinary. However, this dilemma is occurring all across the United States as well. Because of the stagnation in wages, but the increases in housing and other living costs–Canadians are struggling to stay above water. Some Canadians can only dream of becoming a homeowner. Canadians who do manage to acquire a home struggle from month to month with bills and a mortgage–most just one paycheck away from homelessness. Today, there are many new programs cropping up that are meant to help middle class Canadians achieve their dream of home ownership in a very affordable manner, and that is what we are going to talk about here.

These programs ensure Canadians can own a decent home without being underwater and without going above their own income limits to do so as well. So, let’s take a look at how some of these programs work.

Bridge to Home Ownership for Canadians

What is great about some of these new programs emerging lies in how they stay honest with the consumer. These bridge to home ownership programs are about helping Canadians spend less on a home, but still have the same home quality. If credit is an issue, financial experts work with families to help them get to where they need to be. How does it all work really? Well, it is as simple as starting an application of interest! You can get a home and not feel like your drowning in debt doing so!

These programs, like “Sandstone Managements Program” help those Canadians find housing that fits their budget and family size. You can get into a home of your choosing while you work to repair your credit, and you aren’t going to be broke doing this either. Many Canadians are seeing this as a far better alternative than renting an apartment or home, yet never really getting anywhere. The bridge to home ownership programs allows Canadians to get into a home under a lease purchase agreement. Financial experts then work with them to help them get their credit where it needs to be within a year or two to finally get a traditional mortgage agreement.

Realtors' signs are hung outside a newly sold property in a Vancouver neighbourhood where houses regularly sell for C$3-C$4 million ($2.7-3.6 million) September 9, 2014. Chinese investors' global hunt for prime real estate is helping drive Vancouver home prices to record highs and the city, long among top destinations for wealthy mainland buyers, is feeling the bonanza's unwelcome side-effects. The latest wave of Chinese money is flowing into luxury hot spots. But it has also started driving up housing costs elsewhere in a city which already ranks as North America's least affordable urban market. Julie Gordon/Reuters

 

For the most part, the down payment for these programs is fairly reasonable, often at around 3.5%. So, if you’re looking at a $109,000 home, you’ll need at least $4000 upfront and then pay around $800 per month, with some of that going to your future mortgage. This strategy works far better for Canadian families than simply renting an apartment or condo! So, home ownership doesn’t have to be wearisome. There are clear pathways to this dream, and if you manage your credit well there is a way to gain a traditional mortgage at a low interest rate too!

It is wise to Google what programs are available where you might reside, and to check within our own district in particular. There are various programs that can really encourage Canadian families who want to own their own home. The following below checklist can help you get organized and gain easier approval for one of this bridge programs as well:

  • Make sure your income is 3 times the monthly mortgage costs of a home you want
  • Have a clean banking record for the past 3 months
  • Be prepared to have past rental references
  • Have personal references on hand
  • Have your past years taxes available
  • And have a budget in place 

 

 

 

 

 

How To Go Broke

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Learning how to go broke is an odd topic, isn’t it? Well, we felt it was a smart one too. It’s important what NOT TO DO if you don’t want to go broke. Too many people today keep making the same financial mistakes over and over again. The same excuses are used. Canadians claim to have no time to budget, and no time or money to purchase software programs to help them manage their money better. While there are improvements across Canada, there is still a huge problem. Still, today, there are more than enough families learning how to go broke. They are one paycheck away from eternal loss. It’s sad, but as we’ve always said–choices lead to consequences.

You can certainly buy nice things and not go broke, it’s all in how you approach your finances. The main goal should be to not live above and beyond your current means–this is where the problem comes in at. Now, if you think living above a standard you can afford is going to make you happy, you’re wrong. This is only going to give you a great load of anxiety and stress. So, if you don’t want to go broke when you spend money you should be aiming to improve your life, not live above your means.

Below is some wise advice on how not to go broke. You can break all those habits that have led you down that path of destitution in the past. Live better–take care of your money and it will take care of you!

Never Go Broke Again

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Let the following tips be your friendly guide to improving your happiness and always having some money in the bank! You can save and still live a fulfilling, satisfying life!

  • Stay out of debt–You should only pay for big purchases you can afford, and that means pay with cash! If you do use a credit card, pay it off in full each month.
  • Use one credit card–If you can manage a credit card stick to one, and take advantage of the points you can earn! Pay it off every month and never exceed what you can afford. Too many dig themselves a hole they can’t get out of. One can be good, but more can be evil!
  • Don’t pay bank fees–If you manage your money properly you won’t have bank fees. Don’t go into overdraft, and if you have bounce protection, try not to use it. You’ll pay excessive fees for minor transactions
  • Stop being an impulse buyer–Pay attention to your purchases and don’t over indulge on shopping in anyway.

This advice really might start helping you make some changes in your spending and your financial habits in general! It never hurts to try!

 

7 Ways You Can Rent Even With Bad Credit

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Renting that first apartment can be an exciting experience, but dealing with bad credit is a trying one. It is extremely difficult dealing with bad credit when you’re looking for an apartment, or home for rent. We will tell you that finding approval for a home rental can vary depending on what part of Canada you’re within. If you have strong rental references and a good steady income, renting won’t be as daunting a task. We will tell you that some debt works differently than others and some doesn’t carry as much weight as others either, which can be a good thing.  Take for instance, medical debt. While this lowers your FICO score, it won’t make it necessarily harder to rent an apartment either.  However, if you’ve been evicted from a previous apartment or home, you will definitely have some barriers to contend with.  Let’s take a look at some potential remedies or alternatives to this problem now.

Tips To Make Renting With Bad Credit Easier

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Don’t forget it’s good to weigh all of your options when renting. Also, for those with bad credit–looking for properties for rent owned by an individual is smart. Credit checks are standard procedures at apartment properties, but for the individual with bad credit–privately owned rental property might be more of an option because there is more flexibility. Below are some other tips and strategies that might prove very worthwhile.

  • Having a cosigner might be a life saver for you!  This can override any bad credit you have and help you get that rental you really want–as long as your income shows you can pay for it!
  • Provide a landlord with a verifiable way to view your income off and on during your lease period.
  • Be prepared to pay more at signing your lease than others with good credit would.  This will help you have more of a chance of getting approval.
  • You can request a month to month arrangement just to prove you’re trustworthy and will pay your rent on time every month.  Once you’ve established this, a landlord will be more willing to sign a years lease with you.
  • You can also agree to sign a lease that allows a landlord to automatically deduct rent from your bank account.  This is almost like a security policy.  The landlord won’t be at such risk of facing a loss in a circumstance such as failure to pay rent.

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These tips can really be beneficial for those who have been struggling to find a nice place to live. We all make mistakes, and no one’s financial portfolio is perfect. Discover what landlords are on the lookout for today and begin the proper search. It might take a little extra time, but your efforts will pay off in the long run.

 

 

 

 

Stockpiling Food Can Save Canadian Families on Groceries

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Stockpiling is a vey common practice, but will it work for you the way you expect? The first tip to start saving money stockpiling on groceries is to only get those things you know you’re going to use–it makes sense, right? Within just a few months you can have a nice stockpile of necessities and groceries! There are rules to maintaining your stockpile as well–so the money you spend will pay off for the long-term. You want to make sure your food stays fresh, so it is a good idea to keep things rotated. Now you’ll read many tips and strategies on just how to shop to create a surplus, but you’ll find a variety of information here, in one convenient place! We try to give the most updated info, so if you’re ready to really start improving on saving money grocery shopping through bulk buying, we’ve got the answers you’re looking for. Let’s get right to it!

Save Money Annually When You Stockpile on Groceries

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Don’t forget, to properly get started, begin with a list of all the more common items you use on a daily basis. This saves time, money, and frees you from clutter too! These below pointers just might be very beneficial to those newbies beginning a plan like this!

  • Don’t forget you should rotate your oldest foods to the front so that those get eaten first.  This. will ensure all food gets eaten and money isn’t wasted.
  • Once you have a stockpile you should shop from your pantry, not run back to the grocery store for more.
  • Use a menu based plan, and create your menu on what you have on hand.  Grocery shopping will then become easier and you just replace what you run out of.
  • Store your food in airtight containers and keep them in a cool, dry place.  This will prevent spoilage and any possible pest problem as well.
  • Many don’t realize that non-perishable items can go bad just like other food can.  Therefore don’t stock up so much that expiration dates are reached.
  • Don’t overstock on OTC medications because they can lose their potency over time.
  • To preserve your fresh foods you can freeze them–but remember they also have a shelf life.

You can easily overdo stockpiling, so just pay attention to your buying and don’t go overboard.  You are going to save a great amount on toothpaste, as long as you don’t buy too many on sale. It is better to get enough to keep you stockpiled for 2 to 3 months–that is the ideal time frame. No matter what you choose, don’t forget to pay attention to expiration dates at all times!